Dodge Ram 2500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 2500 are $1,232 a year for full coverage. Comprehensive insurance costs an estimated $212 each year, collision costs $300, and liability insurance costs $540. Liability-only coverage costs as little as $592 a year, with high-risk coverage costing $2,654 or more. Teens pay the highest rates at $4,892 a year or more.

Average premium for full coverage: $1,232

Price estimates broken down by individual coverage:

Rates are based on $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Ram 2500 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on insurance prices.

The ranges above show why all drivers should compare rates for a targeted area, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below shows estimated Dodge Ram 2500 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $740
• Drivers who choose higher $1,000 deductibles will pay approximately $116 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,232
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $224 a year
• High risk drivers with serious driving violations could pay up to $2,654 or more
• The price that insures a teen driver can cost as much as $4,892 a year

View Chart as Image

Auto insurance prices for a Dodge Ram 2500 are also quite variable based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 135% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $4,800 a year. View Rates by Age

The state you live in makes a big difference in Dodge Ram 2500 insurance rates. A 40-year-old driver could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,760 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $340 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $486 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison from as many companies as possible. Every company calculates prices differently, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Cheap Dodge Ram 2500 Insurance

Getting lower rates on Dodge Ram 2500 insurance not only requires being a low-risk driver, but also maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare rates every couple of years by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The items below are a quick review of the material that was covered in the above illustrations.

• Drivers who want more liability coverage will pay approximately $590 each year to go from a low limit to the 250/500 level
• Teen drivers are the costliest to insure, with premiums as much as $408 a month if the policy includes full coverage
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,420 more annually to insure their Ram 2500
• Increasing physical damage deductibles can save approximately $350 each year